M. Pattabiraman's Blog, page 27

How to use safe withdrawal rates to gauge retirement corpus health

Here is how one can use a safe withdrawal rate (SWR) to gauge the health of our retirement corpus. This discussion also answers broader questions like, ‘When can a retiree take risks after retirement?’ and ‘How much equity exposure can I have after retirement?’ Note:  In this day and age, using a proper retirement calculator only...

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How to rebalance a portfolio with stocks?

We have repeatedly emphasised the importance of asset allocation and its periodic rebalancing. A two-asset portfolio comprising equity and fixed income will do the job for all goals with minimal effort. However, what if the equity predominantly comprises a direct equity portfolio (stocks)? How can we rebalance such a portfolio? Those who wish to understand...

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How to choose mutual funds if you have a moderate risk appetite?

We discuss what investors should do if they think their risk appetite is “moderate”. “What does moderate risk appetite mean?” We cannot define in any meaningful way what risk appetite is, let alone categorize it as low, medium, or high.  That said, determining risk appetite is a regulatory requirement, and expensive tools exist. An honest,...

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Stocks with low volatility and momentum for Jan 2025

We publish a list of stocks with low volatility and momentum each month. We provide data for BSE 500 and BSE 100 stocks. There are now three different screener files available. (1) Stocks with low volatility and momentum from the BSE 100 large cap universe are available as a separate file (2) Stocks with low...

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Are you the fund manager of your goals and dreams?

Having a clear goal can be a key differentiator to managing our finances. A discussion

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How should I plan for a comfortable retirement by 55?

A 35-year-old reader wants to know if he can retire comfortably by age 55 and what he should do to achieve this. He is married to a homemaker aged 30. When he reaches 55, his wife will be 50. So, we shall plan for retirement income until she (the younger spouse) reaches 90. Therefore, he...

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How 13 years of tracking investments helped me build wealth

I have tracked the amount invested in my goal portfolio for over 13 years. It has been a life and game changer for my family. Whether you track your spending or not, tracking your investment amount is crucial. Today, I can invest more for retirement than my target investment. That was not the case when...

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RIP: The golden rule if you cannot pay for it, you cannot afford it

My parents had a simple rule: If you cannot pay for it, you cannot afford it. This means avoiding debt at all costs. My father was 40 when he was urged to buy a two-wheeler on EMI. He reluctantly agreed because public transport to his workplace was a nightmare. That was the only item my...

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My investment journey: From humble beginnings to financial resilience

I’m happy to share my financial journey on this platform and would like to thank Pattu Sir for giving me the opportunity. I have structured my journey into three sections: Family Background, Financial Mistakes, and Course Correction. About this series: I am grateful to readers for sharing intimate details about their financial lives for the benefit...

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Handpicked List of Mutual Funds Jan-Mar 2025 (PlumbLine)

These are the freefincal handpicked list of mutual funds for July-September 2024. New and old investors can use it according to their specific needs. The list is called “PlumbLine” and has been published since September 2017 for beginners to accompany the freefincal robo advisor tool. Most important! Plumbline is a mix of my opinions +...

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